The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$143,000
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$147,448
−HK$4,519/mo
Today · 4.125%
HK$151,967
baseline
▲ 0.50% · 4.625%
HK$161,214
+HK$9,247/mo
Deposit HK$31.36M · loan HK$31.36M · min. income ≈ HK$303,934/mo (50% DSR)
Upfront cash ≈ HK$34.02M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,086
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$163,352
−HK$4,329/mo
Today · 4.125%
HK$167,681
baseline
▲ 0.50% · 4.625%
HK$176,519
+HK$8,838/mo
Deposit HK$31.36M · loan HK$31.36M · min. income ≈ HK$335,362/mo (50% DSR)
Upfront cash ≈ HK$34.02M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,600
−HK$10,760/mo
▼ 0.25% · 3.875%
HK$176,937
−HK$5,423/mo
Today · 4.125%
HK$182,360
baseline
▲ 0.50% · 4.625%
HK$193,457
+HK$11,097/mo
Deposit HK$25.08M · loan HK$37.63M · min. income ≈ HK$364,720/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,903
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$196,023
−HK$5,194/mo
Today · 4.125%
HK$201,217
baseline
▲ 0.50% · 4.625%
HK$211,823
+HK$10,606/mo
Deposit HK$25.08M · loan HK$37.63M · min. income ≈ HK$402,434/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,200
−HK$12,554/mo
▼ 0.25% · 3.875%
HK$206,427
−HK$6,327/mo
Today · 4.125%
HK$212,754
baseline
▲ 0.50% · 4.625%
HK$225,699
+HK$12,945/mo
Deposit HK$18.81M · loan HK$43.90M · min. income ≈ HK$425,508/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,720
−HK$12,033/mo
▼ 0.25% · 3.875%
HK$228,693
−HK$6,060/mo
Today · 4.125%
HK$234,753
baseline
▲ 0.50% · 4.625%
HK$247,127
+HK$12,374/mo
Deposit HK$18.81M · loan HK$43.90M · min. income ≈ HK$469,506/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,399
−HK$16,142/mo
▼ 0.25% · 3.875%
HK$265,406
−HK$8,135/mo
Today · 4.125%
HK$273,541
baseline
▲ 0.50% · 4.625%
HK$290,185
+HK$16,644/mo
Deposit HK$6.27M · loan HK$56.44M · min. income ≈ HK$547,082/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,354
−HK$15,471/mo
▼ 0.25% · 3.875%
HK$294,034
−HK$7,791/mo
Today · 4.125%
HK$301,825
baseline
▲ 0.50% · 4.625%
HK$317,735
+HK$15,910/mo
Deposit HK$6.27M · loan HK$56.44M · min. income ≈ HK$603,650/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$2,665,264 · Scale 2, in force from 26 Feb 2026)